PERLINDUNGAN HUKUM TERBADAP KLIEN DALAM PERJANJIAN ANJAK PIUTANG LEGAL PROTECTION FOR CLIENTS IN FACTORING AGREEMENTS

DADRIYAIL , SITI MALIKHATUN (2003) PERLINDUNGAN HUKUM TERBADAP KLIEN DALAM PERJANJIAN ANJAK PIUTANG LEGAL PROTECTION FOR CLIENTS IN FACTORING AGREEMENTS. Documentation. FAKULTAS HUKUM .

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Abstract

This research on legal protection for clients in factoring agreement is a normative legal research which aims to find out how clients in factoring agreements are legally protected. The data wed in this research are secondary and primary data. The secondary data were obtained from bibliografical references through a documentary study. The primary data were obtained from field study through interviews and questionnaires. The research location is the Special Capital District of Jakarta, which was chosen with the consideration that financing companies engaged in factoring are situated in Jakarta and that resource persons are available from the Ministry of Finance Directorate for Banking and Financing Service, and the Leasing 'Association of Indonesia. The research subjects consist of 8 factoring companies which were purposively determined, 34 randomly selected clients, and resource persons. . From the results of the research, it is found that in the execution of a factoring agreement, legal protection for clients tend to be neglected. This fact can be seen in the following cases. 1. Legal Protection by the Government The legal Government requires a factoring company to submit a factoring form when it puts in a request for permission to establish a company with the purpose of ensuring that the agreement made by the factoring company conforms to the principles of contractual law and the aims of factoring, thereby protecting all parties concerned. In practice, however, there is no legal certainty. 2. Legal Protection in factoring agreements It is found that in factoring agreements there are deviations from the principles and aims of factoring, as well as imbalances between rights and responsibilities because there is more emphasis on the clients' responsibilities than on their rights on the one hand, and more emphasis on the rights of the factoring companies than their responsibilities on the other. In fact there are cases in which the rights that the clients normally deserve becomes the rights of the factoring companies. 3. Legal Protection in case of dispute In settling a dispute it is found that the settlement is always through deliberations to reach consensus because the parties concerned prefer to maintain a good relationship and to preserve the companies' reputation. In these deliberations there are three standard ways of settlement proposed by the factoring companies, all of which only benefit the companies Penelitian mengenai perlindungan hukum terhadap klien dalam perjanjian anjak piutang merupakan penelitian hukum normatif. Penelitian ini bertujuan untuk mengetahui bagaimana perlindungan hukum terhadap klien dalam perjanjian anjak piutang. Data yang digunakan dalam penelitian ini adalah data sekunder dan data primer. Data sekunder diperoleh melalui penelitian kepustakaan dengan menggunakan alat pengumpulan data studi dokumen. Data primer diperoleh melalui penelitian lapangan, dengan menggunakan alat pengumpulan data wawancara dan kuesioner. Lokasi penelitian dipilih di Daerah Khusus Ibukota Jakarta dengan pertimbangan bahwa perusahaan-perusahaan pembiayaan yang bergerak dalam -bidang anjak piutang berpusat di Jakarta, ' dan di daerah tersebut terdapat narasumber dari Departemen Keuangan Direktorat Perbankan dan Usaha Jasa Pebiayaan, serta Asosiasi Leasing Indonesia. Subyek penelitian meliputi 8 Perusahaan Anjak Piutang yang ditentukan secara purposive, 34 klien yang ditentukan secara random, sena narasumber. Dan hasil penelitian diketahui bahwa dalam pelaksanaan perjanjian anjak piutang ternyata perlindungan hukum terhadap klien cenderung diabaikan. Hal ini terlihat dari hal-hal sebagai berikut. 1 Perlindungan hukum oleh Pemerintah. Pemerintah rnewajibkan Perusahaan Anjak Piutang untuk melampirkan format perjanjian anjak piutang pada waktu mengajukan permohonan ijin pendirian perusahaan, dengan maksud agar perjanjian yang dibuat oleh Perusahaan Anjak Piutang sesuai dengan asas-asas hukum perjanjian serta prinsip dan tujuan anjak piutang, sehingga dapat melindungi para pihak. Dalam pelaksanaannya ternyata kurang ada kepastian hukum. 2. Perlindungan hukum dalam perjanjian anjak piutang. Dalam perjanjian anjak piutang ternyata ada penyimpangan-penyimpangan terhadap prinsip dan tujuan anjak piutang, serta ketidakseimbangan hak dan kewajiban para pihak, karena lebih menekankan pada kewajiban klien daripada haknya, dan pada sisi lain lebih menekankan pada hak Perusahaan Anjak Piutang daripada kewajibannya. Bahkan ada hak klien yang justru menjadi hak dari Perusahaan Anjak Piutang. 3. Perlindungan hukum dalam hal terjadi sengketa. Dalam penyelesaian sengketa ternyata selalu dipakai cam musyawarah, karena para pihak lebih menguomakan hubungan baik antara para pihak, dan menjaga. nama baik perusahaan. Dalam musyawarah ini ada tiga cara penyelesaian yang telah dibakukan oleh Perusahaan Anjak Piutang, yang hanya menguntungkan pihak Perusahaan Anjak Piutang.

Item Type:Monograph (Documentation)
Subjects:K Law > K Law (General)
Divisions:Faculty of Law > Department of Law
ID Code:19884
Deposited By:Mr UPT Perpus 1
Deposited On:10 Aug 2010 07:01
Last Modified:10 Aug 2010 07:01

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